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Merpati Utara Group
In this Group: Siti, Tuti, Lili, Yuningsih, Siti
Siti is 33 years old. She is married with two children. Siti has been selling rice and fried snacks for three years. She has a kiosk in front of the elementary school. Her business is going well because children like to have snacks on their break time. When there is an exam week or long school vacation, she earns less income. She is taking her first loan with VisionFund Indonesia to buy more "aci" (a type of flour) to produce "cireng" (an Indonesian fried snack), rice, ice and noodles to sell. In the future she plans to expand her business and give her children a better education than she received.

Other group members are selling gado-gado (Indonesian mixed vegetables with peanut sauce), clothes on credit and Tupperware on credit.

Additional Information

About VisionFund Indonesia

VisionFund Indonesia is a Christian micro venture capital organization owned by Mitra Masyarakat Sejahtera (MMS) and Wahana Visi Indonesia. Founded in 2000, VFI operates in both Jakarta and Surabaya, the two biggest cities in Indonesia. VFI targets the entrepreneurial poor who have existing microbusinesses for at least 6 months and have no financial access to commercial banks. VFI also provides microinsurance for all clients through a partnership with Allianz insurance company. With nine branches as of 2011, VFI hopes to expand in order to reach underserved microfinance markets in other islands of Indonesia.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Indonesia

  • $5,200
    Average annual income
  • 16
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,198.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Merpati Utara Group's $550 loan helped a member to pay for "aci" (a type of flour), rice ice and noodles.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 22, 2011
Feb 1, 2012
Currency Exchange Loss:
Aug 10, 2012